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Settle It Right!

The Debt Advantage, Inc. is a new type of Debt Settlement Company. We pride ourselves on providing consumers with valuable Debt Negotiation and Settlement Services without charging outrageous upfront or monthly fees. In fact we don’t charge anything until we are able to successfully settle an account. We do not have a minimum debt load, like other companies may have and we provide full disclosure and transparency to all clients.

So what is Debt Settlement?

Debt Settlement is a structured methodology for insolvent consumers to repay their creditors at a fraction of the currently owed principal balance. Debt settlement is not Bankruptcy and is, rather, considered to be an alternative to bankruptcy for those individuals not wanting to have their credit record marred by a bankruptcy for the next 7-10 years.

Settlement companies strive to reach settlement reductions of 40-60% of the principal debt owed. Though this range may vary we guarantee to all our clients that if we cannot reach a settlement of 60% or less of the principal balance owed at the time of settlement, we will not take any fees for the settlement of that account. If you would like to hear more about our company and see if our service is right for you, you can contact us through our toll free number or, enter your information below and we will contact you at the most convenient time for you to speak. Consultations are always FREE of charge and there is NO Obligation to use our services. If settlement is not the right fit for you, we may even be able to refer you to a company that can provide the appropriate service for your circumstances.

If you would like to read more information about The Debt Advantage and our services please visit our website.

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* Debt Settlement IS NOT a one size fits all resolution and is contraindicated for people who can maintain their current monthly payments to their creditors without having to use their credit cards to offset expenses each month. Although, debt settlement can produce significant savings on certain accounts, it may also have negative consequences to your credit. There are many factors to consider when choosing a debt resolution service and we will happily discuss all the options which may be available to you.

Important Issues to Consider when Evaluating Debt Settlement or Negotiation Programs

In no case should you, the visitor, believe that there is any guarantee that a you will not have to file bankruptcy now or in the future. This type of claim is not possible since bankruptcy is a choice you may make on your own.

Consumers should not use a debt settlement service if they are able to pay their minimum balances due each month. Nor should they join if they do not have a legitmate financial hardship.

1. Late fees, penalties, and interest will continue to accrue on the consumer’s debt until the consumer’s creditors accept and receive a settlement;
2. A consumer's creditors may still sue to collect on the debts and garnish the consumer’s wages;
3. Interest rates applicable to the consumer's debt may increase;
4. Any money a consumer saves in negotiating a settlement with a creditor may be treated as income for tax purposes;
5. A debt settled for less than the full amount owed may result in a negative notation on the consumer’s credit report; and

The Debt Advantage and www.thedebtadvantage.com is not acting as a lender or broker. The information provided by you to The Debt Advantage, Inc is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. The Debt Advantage services are not available in all states.